The PAYTECH Book

The only globally-crowdsourced book on the future of payments (“PayTech”), offering comprehensive understanding of a rapidly evolving industry at the centre of global commerce

The movement of money between individuals, organisations and governments is crucial to the world economy. The payments industry has undergone immense transformation ­– new regulations, technologies and consumer demands have prompted significant changes to the tools, products and use cases in payments, as well as presented lucrative opportunities for entrepreneurs and FinTech professionals. As payment technologies become faster and more efficient, companies and investors are increasingly favouring PayTech innovation due to better customer experience, increased revenues and manageable risks. The PAYTECH Book brings together a diverse collection of industry experts to provide entrepreneurs, financial services professionals and investors with the answers they need to capitalise on the highly profitable PayTech market.

Written by leaders in the global FinTech and payment sectors, this informative volume explains key industry developments and presents valuable first-hand insights from prominent industry practitioners. Contributors include advisors and consultants to the payments and financial services industry, entrepreneurs and business owners utilising cutting-edge PayTech capabilities, academic researchers exploring the social-political-economic impact of PayTech and many others. Detailed chapters cover essential topics such as cybersecurity, regulation and compliance, wholesale payments and how payment systems currently work and how PayTech can improve them. This book:

• Defines PayTech and identifies its key players
• Discusses how PayTech can transform developed markets and accelerate growth in emerging economies
• Describes how PayTech fits into the larger FinTech ecosystem
• Explores the future of PayTech and its potential as an agent of social change and financial inclusion
• Provides diverse perspectives on investment in PayTech and what consolidation and expansion will look like

The PAYTECH Book: The Payment Technology Handbook for Investors, Entrepreneurs and FinTech Visionaries is an indispensable source of information for FinTech investors and entrepreneurs, managers from payments companies and financial services firms and executives responsible for payments in government, corporations, public sector organisations, retailers and users of payments.

SUSANNE CHISHTI is the CEO of FINTECH Circle, Europe's 1st Angel Network focused on fintech investments and Founder of the FINTECH Circle Institute, the leading fintech learning platform offering Innovation Workshops to C-level executives and fintech and entrepreneurship courses. She is also the Co-Editor of the bestsellers The FinTech Book, The WealthTech Book and The InsurTech Book, all published by Wiley. Susanne is considered as one of the leading fintech influencers globally and advisor to top management in financial services.

TONY CRADDOCK is the Founder and Director General of the Emerging Payments Association, the UK's largest payments trade association. Credited with coining the term 'PayTech,' Tony is a popular commentator, speaker and writer on PayTech and is the architect of The Emerging Payments Academy, the Emerging Payments Awards, the EPA Inclusion Accreditation Service, The Inclusion Foundation and the PAY360 conference.

ROBERT COURTNEIDGE is a Payments Lawyer and the CEO of Moorwand, Ltd, an international provider of payment services. He has more than 27 years of experience in cards and payment systems and works closely with The Payments Services Regulator, HM Treasury and the Financial Conduct Authority. Robert speaks and writes extensively on cards payments, financial technology and current legal and regulatory issues.

MARKOS ZACHARIADIS is Full Professor and Chair in Financial Technology (FinTech) and Information Systems at the Alliance Manchester Business School, University of Manchester, a Council member at the World Economic Forum, and a FinTech Research Fellow at the University of Cambridge. His research has been published in top academic journals and books. A board advisor, mentor and international keynote speaker, Markos has been invited to present his research insights to various international conferences, governments and global organizations. He holds an MSc and PhD from the London School of Economics.